Does working with an independent agent cost more?
No. Insurance companies generally compensate the agent, so you ordinarily pay the same premium as you would by applying directly.
Independent guidance • Texas Hill Country
Health and Medicare insurance—with a neighbor's perspective.
Clear comparisons, personal answers and continuing service from an independent Texas agent serving clients since 1986.
Original Hill Country photography by D Kenton Henry
Since 1986Serving health and Medicare clients
IndependentGuidance based on your priorities
LocalHill Country perspective and service
Personal guidance matters
Insurance is easier when you have one experienced person to call.
The choices can be complicated. The conversation should not be. We help you understand the tradeoffs, compare appropriate options and move forward with confidence—without charging more than applying directly with an insurance company.
Meet D Kenton HenryCoverage options
One trusted resource for the coverage stages of life.
Turning 65 or reviewing coverage
Medicare-related insurance
Medicare Supplement, Medicare Advantage and Part D guidance grounded in your doctors, prescriptions, priorities and budget.
Learn more →Before age 65Individual & family health
ACA Marketplace and private health-insurance guidance for individuals, families and self-employed Texans.
Learn more →Round out your protectionLife, dental, vision & more
Practical protection for the expenses and responsibilities your major medical coverage may not address.
Learn more →Coverage beyond the United StatesInternational insurance
For all your international travel needs—from short-term vacations and extended stays to foreign nationals living abroad.
Learn more →
Rooted in the Hill Country
Local familiarity. Statewide experience.
From San Marcos and New Braunfels to Wimberley, Dripping Springs, Fredericksburg and the communities between, you receive guidance from someone who knows this part of Texas—and the insurance market.
See our service areaCommon questions
A clear starting point for health and Medicare decisions.
Your doctors, prescriptions, travel, household and budget can all affect which coverage deserves a closer look.
Read frequently asked questionsCan you help people outside San Marcos?
Yes. We serve the Texas Hill Country and clients throughout Texas by phone and email, with local meetings available by appointment.
Can I compare Medicare Supplement rates online?
Yes. You can view estimated rates on this site, then call to confirm available discounts, ask questions and apply.
Start with a conversation